TWM605797U - High-yield mutual assistance insurance system - Google Patents

Abstract

A high-yield mutual insurance system includes a central server; a mutual insurance institution resides in the central server; the mutual insurance institution includes an insured interface for receiving input from the insured through the insured unit And output the information of the mutual insurance institution to the interface of the insured; an insured database stores multiple personal accounts for storing the insurance information of the insured, including basic information and related payment records; The storage unit is used to receive one or more basic data and related payment records entered by the insured through the insured interface, and store them in the corresponding personal account; a payment unit collects the insured’s payment according to the payment rules The fees paid; and a claim unit used to settle claims for different insured persons in accordance with the established rules.

Description

High-yield mutual insurance system

This creation is about insurance systems, especially a high-yield mutual insurance system.

In order to improve the overall protection of the society, insurance has become a popular business model. There are now various insurance methods to provide people with protection of their wealth.

However, the current insurance methods often use probability and statistics to calculate the insurance odds based on the estimated mortality rate and various models, and therefore determine the payment method. However, in different communities, the proportion of deaths of people participating in insurance actually varies greatly, and these differences also deeply affect the benefits of the insured when participating in insurance. In fact, the traditional various insurance methods have no way to determine the insured amount based on the proportion of the true dead. As a result, when determining the insured amount, the insurance company is often pouring water, that is, the insured's own rights and interests are not optimally protected.

Therefore, this case hopes to propose a new way to determine the amount of insurance and reimbursement based on the proportion of deceased persons, so as to solve the above-mentioned prior technical defects.

Therefore, the purpose of this creation is to solve the above-mentioned conventional technical problems. In this creation, a high-yield mutual insurance system is proposed, which can determine the insured amount and reimbursement based on the proportion of deceased persons. It has exemption from medical examination and exemption from notification. , There is no upper age limit, and the advantages of lifetime protection. The system in this case calculates the premium based on the death, and can get a fairly reasonable fee. If no one dies, there is no need to pay Premium, so the insured’s own rights and interests can be best protected, which is something that cannot be achieved by conventional insurance systems.

To achieve the above objectives, this creation proposes a high-yield mutual insurance system, which includes a central server; a mutual insurance institution resides in the central server; the mutual insurance institution is used to process insurance information of the insured; The central server includes a processor and a memory; the processor is used to perform operations required by the mutual insurance institution; the memory is used to store data or calculation programs stored in the mutual insurance institution in the form of computer programs, and related Operation results and related data; all operation results and related data are stored in the memory; where the mutual insurance institution includes an insured interface for receiving the insured's input through the insured unit Message and output the information of the mutual insurance institution to the interface of the insured, the insured enters the mutual insurance institution through the interface of the insured, and performs related operations; the mutual insurance institution is also displayed through the interface of the insured The entire operation process and the relevant information provided by the mutual insurance agency; an insured person database stores multiple personal accounts, each of which corresponds to an insured person, and the personal account is used to store the insured person’s insurance Information; each personal account contains the basic information of the insured person and related payment records; a storage unit connects the insured person’s interface and the insured person’s database, and the storage unit is used to receive the insured person through the insured person One or more basic data and related payment records entered in the interface, and the one or more basic data and related payment records are stored in the corresponding personal account in the insured’s database; a payment unit is connected to the insured The user interface and the insured’s database are used to collect the fees paid by the insured. The payment unit includes a payment rule unit; the payment rule unit is used to set payment rules; and a claims unit is connected to the receiver. The insured’s interface and the insured’s database, the claim unit is used to make claims for different insureds in accordance with the set rules; the claim unit includes a claim rule unit, and the claim unit can The claim amount is determined according to the rules of the claim rule unit.

The following description can further understand the features and advantages of this creation. Please refer to the attached drawings when reading.

1: Mutual insurance agency

10: Central server

11: processor

12: Memory

15: Manager Unit

20: Insured Unit

25: Insured

30: Interface of the insured

40: Insured Person Database

41: Personal account

50: Payment record

55: Basic Information

56: Claim record

60: Claim unit

65: Claim Rule Unit

70: payment unit

75: Payment Rules Unit

80: storage unit

110: Cloud Organization

120: Electronic Information Device APP

130: Electronic Information Device

Figure 1 shows the hardware architecture of this case and the connection architecture diagram between mutual insurance institutions.

Figure 2 shows a schematic diagram of the operation of the central server and mutual insurance agency in this case.

Figure 3 shows a block diagram of the main components of the mutual insurance institution in this case.

Figure 4 shows a schematic diagram of the information stored in the personal account of this case.

Figure 5 shows a block diagram of another component structure of the mutual insurance institution in this case.

With regard to the structural composition of this case, and the effects and advantages that can be produced, in conjunction with the drawings, a preferred embodiment of this case is described in detail as follows.

Please refer to Figure 1 to Figure 5, which shows the high-yield mutual insurance system of this creation, including the following components:

As shown in Fig. 1, the hardware architecture of this authoring includes a central server 10.

A mutual insurance agency 1 resides in the central server 10, and the central server 10 performs its functions. The mutual insurance institution 1 is used to process the insurance information of the insured 25.

The central server 10 is connected to at least one insured unit 20, and the insured 25 can access the central server 10 via the insured unit 20 and communicate with the mutual insurance institution 1. The central server 10 is also connected to a manager unit 15, and the manager can connect to the mutual insurance institution 1 via the manager unit 15. The insured unit 20 or the manager unit 15 can be various electronic information devices, such as notebook computers, desktop computers, tablet computers, mobile phones, PDAs, etc. Etc., it can connect to the central server 10 via the network.

As shown in FIG. 2, the central server 10 includes a processor 11 and a memory 12. The processor 11 is used to perform operations required by the mutual insurance institution 1. The memory 12 is used to store data or calculation programs stored in the form of computer programs in the mutual insurance institution 1, related operation results and related data. All operation results and related data are stored in the memory 12 of the central server 10.

The related software and data of the mutual insurance institution 1 are stored in the memory 12, and the processor 11 executes the relevant operations of the mutual insurance institution 1. The central server 10 can be implemented by different electronic information systems, where the electronic information systems include various computers, mobile phones, tablet computers, laptops, PDAs, etc. The central server 10 needs to be built in these electronic information systems.

As shown in Figure 3, the mutual insurance institution 1 includes:

An insured interface 30 for receiving information input by the insured 25 via the insured unit 20 and outputting the information of the mutual insurance institution 1 to the insured interface 30 through which the insured 25 The insured person interface 30 enters the mutual insurance institution 1 to perform related operations. The mutual insurance institution 1 also displays the entire operation process and related information provided by the mutual insurance institution 1 via the insured interface 30.

An insured person database 40 stores a plurality of personal accounts 41, each of the personal accounts 41 corresponds to an insured person 25, and the personal account 41 is used to store the insurance information of the insured person 25. As shown in FIG. 4, each individual account 41 contains basic information 55 of the insured person 25 and related payment records 50.

A storage unit 80 is connected to the insured person interface 30 and the insured person database 40, and the storage unit 80 is used to receive one or more basic data 55 and related information input by the insured person 25 through the insured person interface 30 And save the one or more basic data 55 and related payment records 50 to the corresponding personal account 41 in the insured person’s database 40.

A payment unit 70 is connected to the insured interface 30 and the insured database 40 for collecting the fees paid by the insured 25. The payment unit 70 includes a payment rule unit 75. The payment rule unit 75 is used to set the payment rules. The method is that the insured 25 pays the entrance fee (such as 2000 yuan) and the annual fee (such as 1200 yuan), and the mutual assistance fee is the number of deaths in the current month multiplied by A predetermined fee (such as 300,000) is divided by the number of insured persons 25 valid in the current month, and the fee is an ex post fee. For example, 85 people died in that month, the number of valid insured 25 was 8,360, and the scheduled fee was 300,000. The mutual assistance fee for this month is 85×300000/8360=3050 yuan.

In addition, when you need to help others, you can receive up to a specific percentage of the paid mutual aid fee (such as 50%), but you must pay administrative fees and rebates.

A claims settlement unit 60 is connected to the insured interface 30 and the insured database 40, and the claims settlement unit 60 is used to settle claims for different insureds 25 according to the set rules. The claim settlement unit 60 includes a claim settlement rule unit 65, and the claim settlement unit 60 can determine a claim amount according to the rules of the claim settlement rule unit 65, and the claim settlement rules are:

From the effective date of membership to the 30th, the total mutual aid fee and membership fee of 2,000 yuan will be refunded;

From 31 to 90 days after joining the conference, the total mutual aid fee and condolence fee of 2,000 yuan will be refunded;

From 91 days to 12 months after joining the conference, the total mutual assistance fee and condolence fee of 5,000 yuan will be refunded;

From 13 days to 24 months after joining the conference, the total mutual assistance fee and condolence fee of 7,000 yuan will be refunded;

From 25 days to 36 months after joining the conference, the total mutual assistance fee and condolence fee of 14,000 yuan will be refunded;

When 37 months after joining the membership to the full payment of 300,000 yuan, 300,000 yuan or the total payment of mutual assistance Choose the higher one among the fees to be refunded;

When 300,000 yuan is full or dies, the etiquette subsidy of 300,000 yuan + 20,000 yuan will be refunded;

When the age of death is between 20 and 70 years old, an accidental death mutual aid payment of 300,000 yuan will be provided. However, this amount must be issued to those who have died 30 days after the effective date, and accidents do not include home accidents.

Each individual account 41 of the insured person database 40 still contains a claim settlement record 56, and the process of storing and claim settlement by the insured person 25 in the mutual insurance institution 1 is recorded in the claim settlement record 56 of the personal account 41.

As shown in Figure 5, the mutual insurance institution 1 in this case can be divided into a cloud institution 110 and an electronic information device APP (application program) 120, wherein the electronic information device APP 120 is installed on the insured’s electronic information device 130 (that is, the The insured unit 20), and the insured interface 30 of the mutual insurance institution 1 is installed in the electronic information device APP; the insured is through the electronic information device 130 (that is, the insured unit 20) The insured person interface 30 is entered, and the insured person interface 30 enters the cloud organization 110 to perform insurance-related operations. The electronic information device 130 may be various electronic devices such as a mobile phone, a tablet computer, a notebook computer, a desktop computer, and a PDA.

The advantage of this case is that it can determine the insurance amount and reimbursement method based on the proportion of dead persons. It has the advantages of no medical examination, no notification, no upper age limit, and lifetime protection. The system in this case calculates the premium based on death, which can get quite reasonable If no one dies, there is no need to pay premiums, so the insured’s own rights and interests can be best protected. This is something that cannot be achieved by the conventional insurance system.

In summary, the humanized and considerate design of this case quite meets actual needs. Compared with the conventional technology, the improvement of the existing defects is obviously a breakthrough and the advantage is indeed effective. Improved and not easy to achieve. This case has not been disclosed or disclosed in domestic and foreign documents and markets, and it has complied with the provisions of the Patent Law.

The above detailed description is a specific description of a feasible embodiment of this creation, but this embodiment is not intended to limit the scope of the creation of the patent. Any equivalent implementation or modification that does not deviate from the spirit of the creation technique should be included in In the scope of the patent in this case.

1: Mutual insurance agency

10: Central server

11: processor

12: Memory

15: Manager Unit

20: Insured Unit

Claims (10)

A high-yield mutual insurance system including: A central server; A mutual insurance institution resides in the central server; the mutual insurance institution is used to process the insurance information of the insured; The central server includes a processor and a memory; the processor is used to perform operations required by the mutual insurance institution; the memory is used to store data or calculation programs stored in the mutual insurance institution in the form of computer programs, Related operation results and related data; all operation results and related data are stored in the memory; The mutual insurance agency includes: An interface of the insured, used to receive the information input by the insured through the insured unit, and output the information of the mutual insurance institution to the interface of the insured, the insured enters the insured through the insured interface Mutual insurance institutions carry out relevant operations; the mutual insurance institutions also display the entire operation process through the insured's interface and related information provided by the mutual insurance institutions; An insured person’s database stores multiple personal accounts, each of which corresponds to an insured person. The personal account is used to store the insured’s insurance information; each individual account contains the insured’s basic information and Related payment records; A storage unit is connected to the insured's interface and the insured's database, and the storage unit is used to receive one or more basic data and related payment records input by the insured through the insured's interface, and to store the Or multiple basic data and related payment records are stored in the corresponding personal account of the insured person's database; A payment unit is connected to the insured’s interface and the insured’s database to collect the insured’s For paid fees, the payment unit includes a payment rule unit; the payment rule unit is used to set the rules for payment; and A claims unit is connected to the interface of the insured person and the database of the insured person. The claim unit is used to make claims for different insured persons according to the set rules; the claim unit includes a claim rule unit, and the claim unit can The claim amount is determined according to the rules of the claim rule unit. For example, the high-yield mutual insurance system described in item 1 of the scope of patent application also includes an insured unit connected to the central server. The insured enters the central server through the insured unit and communicates with the Mutual insurance agencies are connected. Such as the high-yield mutual insurance system described in item 2 of the scope of patent application, wherein the insured unit is selected from notebook computers, desktop computers, tablet computers, mobile phones, and PDAs. For example, the high-yield mutual insurance system described in item 1 of the scope of patent application, in which the payment rule set by the payment rule unit is that the insured pays the entrance fee and annual fee, the mutual aid fee is the number of deaths in the current month multiplied by one The predetermined cost is divided by the number of insured persons who are valid for the month. For example, the high-yield mutual insurance system described in item 4 of the scope of patent application, in which when you need to help others, you can pre-claim a certain proportion of the paid mutual aid fee, and must pay administrative fees and rebate. For example, in the high-yield mutual insurance system described in item 1 of the scope of patent application, the rules of the claim settlement rule unit are: From the effective date of membership to the 30th, the total mutual aid fee and membership fee of 2,000 yuan will be refunded; From 31 to 90 days after joining the conference, the total mutual aid fee and condolence fee of 2,000 yuan will be refunded; From 91 days to 12 months after joining the conference, the total mutual assistance fee and condolence fee of 5,000 yuan will be refunded; From 13 days to 24 months after joining the conference, the total mutual assistance fee and condolence fee of 7,000 yuan will be refunded; From 25 days to 36 months after joining the conference, the total mutual assistance fee and condolence fee of 14,000 yuan will be refunded; When the membership fee reaches 300,000 yuan after 37 months after joining the conference, the payment will be refunded from 300,000 yuan or the total mutual assistance fee whichever is higher; When 300,000 yuan is full or dies, the etiquette subsidy of 300,000 yuan + 20,000 yuan will be refunded; When the age of death is between 20 and 70 years old, an accidental death mutual assistance benefit of 300,000 yuan will be issued. This amount must be issued to those who died 30 days after the effective date. The accident does not include home accidents. For example, in the high-yield mutual insurance system described in item 1 of the scope of patent application, each individual account of the insured person’s database also contains claim settlement records, and the process of the insured’s storage and settlement of claims in the mutual insurance institution is recorded In the claim settlement record of the personal account. For example, in the high-yield mutual insurance system described in item 1 of the scope of patent application, the central server is also connected to a manager unit, and the manager is connected to the mutual insurance institution through the manager unit. For the high-yield mutual insurance system described in item 8 of the scope of patent application, the manager unit is selected from notebook computers, desktop computers, tablet computers, mobile phones, and PDAs. For example, the high-yield mutual insurance system described in item 1 of the scope of patent application, wherein the mutual insurance institution is divided into a cloud institution and an electronic information device APP (application program), wherein the electronic information device APP is installed in the insured unit , And the insured interface of the mutual insurance institution is installed in the electronic information device APP; the insured enters the insured interface through the insured unit, and the insured interface enters the cloud Institutions to carry out insurance-related operations.

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